Clay County property record for 3543 270th Ave, Spencer, IA 51301
| Property Type | Single Family Home |
|---|---|
| Details | 2 bd · 1 ba · 1,340 sqft · built 1957 |
| Lot Size | 1.06 acres (46,174 sqft) |
| Owner | Individual Name on File |
| Tax Bill | $2,560 (2025) |
| Deeds & Mortgages | Mar 2018 Mortgage Feb 2020 Refinance + 1 more |
| Flood Zone | Zone X (minimal risk) |
| APN | 963614200005 |
| Primary APN | 963614200005 |
|---|
| Bedrooms | 2 Beds |
|---|---|
| Full Baths | 1 Bath |
| Total Rooms | 5 Rooms |
| Stories | 1 Story |
| Building Area | 1,340 sqft Living Area |
| Basement Area | 1,340 sqft |
| Unfinished Basement | 1,340 sqft |
| Flooring | Carpet |
| Interior Walls | Wallboard/Drywall |
| Year Built | Built 1957 |
|---|---|
| Effective Year Built | Effective 1957 |
| Exterior Material | Wood Siding |
| Construction Type | Wood |
| Roof Type | Hip |
| Roof Material | Composition Shingle |
| Lot Area | 46,174 sqft (1.06 acres) |
| Garage Type | Mixed |
| Garage Area | 528 sqft |
| Parking Spaces | 4 Parking Spaces |
| Porch | Slab |
| Porch Area | 90 sqft |
| Deck Area | 300 sqft |
| Cooling System | HVAC |
|---|---|
| Heating System | Heat Pump |
| Sewer | Septic |
| Street Address | 3543 270TH AVE |
|---|---|
| City | SPENCER |
| State | IA |
| Zip | 51301-7592 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | A-1 AGRICU |
| Legal Description | 1.06 AC TR PT SE NE BEING PARCEL D |
| Legal Range | 36W |
| Legal Township | 96N |
| Legal Section | 14 |
| Jurisdiction | CLAY IA |
| Township / Civil Division | SIOUX |
| Census Block Group | 3 |
| Census Block | 3164 |
| Census Tract | 80100 |
3543 270th Ave is owned and occupied by an individual who acquired it in January 2018.
Source: Clay County records, as of September 1, 2026
| Owner of Record | Individual Name on File |
|---|---|
| Mailing Address | 3543 270TH AVE, SPENCER, IA 51301-7592 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
Owner names and exact recorded amounts are on file and can be viewed instantly on this page with a free 10-day trial.
| Date | Document |
|---|---|
| Mar 28, 2018 | Deed of Trust, Mortgage · ARM NORTHWEST BANK |
| Feb 3, 2020 | Deed of Trust, Mortgage · Stand-Alone Refinance NORTHWEST BANK |
| Jan 25, 2018 | Quit Claim Deed, Transfer Quitclaim |
| Deed Names | Name on Deed |
|---|---|
| Last Transfer Date | Jan 24, 2018 |
| Transfer Doc | 2018/191 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 3543 270TH AVE, SPENCER, IA 51301-7592 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 0000002018/0000000707 |
|---|---|
| Date | Mar 28, 2018 |
| Book Page | 0000002018/0000000707 |
| Instrument | 000000000707 |
| Name | NORTHWEST BANK |
|---|---|
| Type | Bank |
| Type | ARM |
|---|---|
| Amount | Amount on Record |
| Term | 358 Months |
| Due | Jan 1, 2048 |
| Rate Type | Adjustable Rate |
|---|---|
| Rate | 4.8% |
| Type Change Date | Apr 1, 2023 |
| Index | 1-Year CMT |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | CLAY IA |
| Property Address | 3543 270TH AVE, SPENCER, IA 51301-7592 |
| Transaction Type | Mortgage |
| Record Updated | Jun 28, 2021 |
| Name | Verified Name |
|---|
| Document Number | 2020/302 |
|---|---|
| Date | Feb 3, 2020 |
| Book Page | 2020/302 |
| Instrument | 302 |
| Name | NORTHWEST BANK |
|---|
| Type | Stand-Alone Refinance |
|---|---|
| Amount | Amount on Record |
| Term | 361 Months |
| Due | Mar 1, 2050 |
| Document Type | Quit Claim Deed |
|---|---|
| Jurisdiction | CLAY IA |
| Recording Date | Jan 25, 2018 |
| Property Address | 3543 270TH AVE, SPENCER, IA 51301-7592 |
| Document Number | 2018/191 |
| Book / Page | 2018 / 191 |
| Instrument Date | Jan 24, 2018 |
| Instrument | 000000000191 |
| Transaction Type | Transfer |
| Record Updated | Jun 28, 2021 |
| Tax | $0.00 |
|---|---|
| Amount Accuracy | No Consideration Stated |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|
The 2025 property tax bill for 3543 270th Ave was $2,560, up 1.1% from the year before.
Source: Clay County assessment roll, as of September 30, 2025
| Type | Name |
|---|---|
| State | Iowa |
| County | Clay County |
| Unified School District | Spencer Community School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2025 | $2,560.00 (+1.11%) | $234,580 Land $39,980 Building $194,600 | $234,580 Land $39,980 Building $194,600 |
| 2024 | $2,532.00 | ||
| 2023 | $222,190 (+17.71%) Land $39,200 Building $182,990 | $222,190 Land $39,200 Building $182,990 | |
| 2022 | $2,384.00 | $188,760 Land $25,870 Building $162,890 | |
| 2021 | $188,760 Land $25,870 Building $162,890 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
FEMA maps place 3543 270th Ave in Zone X, an area of minimal flood risk, though there have been 1 flood claim nearby since 2018.
Source: FEMA National Flood Hazard Layer, effective February 21, 2024 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X minimal risk |
|---|---|
| Flood Insurance Requirement | Not required lenders may require it |
| Nearby Flood Claims | 1 (2018) |
| Most Recent Claim | Jun 2018 · Severe Storms, Tornadoes, Straight-line Winds, And Flooding |
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Wildfire risk around 3543 270th Ave is low, with a 0.01% annual chance of wildfire.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 49% of Iowa |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Direct burnable vegetation |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: FCC Broadband Data Collection, based on 6 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Premier Communications Fiber | 1,000 / 1,000 |
| Nextlink Fixed Wireless | 500 / 100 |
| GigFire Fixed Wireless | 150 / 130 |
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